Insurance for relief milking

[Tamsin king]

I am currently looking into insurance to cover me for relief milking and wondered if anyone has any thoughts or experiences that may help. I am self employed and aim to get covered for things like milk tank failure/ loss of earnings due to injury or accident and also to some sort of cover against customers failing to pay for work done. I will also get public liability but wondered if there is anything I've missed? Cheers

 

[DairyNerd]

Public liability is the main one. Whoever you work for should have insurance against tank failure but I always had it in case. It's been a while since i have done it but bear in mind that it can get really expensive to have loss of earnings cover or failure to pay cover. NFU are fairly good but they try and encourage you to have everything so you need to use some judgement.

 

[In the pit]

as said NFU

 

[Tamsin king]

Public liability is the main one. Whoever you work for should have insurance against tank failure but I always had it in case. It's been a while since i have done it but bear in mind that it can get really expensive to have loss of earnings cover or failure to pay cover. NFU are fairly good but they try and encourage you to have everything so you need to use some judgement.

I guess with the loss of earnings side it might be more cost effective if I put a little aside regularly in a bank account/ savings account and it's there if I need it. With the non payment bit there is the small claims court should it ever get that bad. Thankfully over the past 20 + years being self employed I haven't had too much hassle. Usually some correspondence and reminders work! I do have public liability for the gardening side of my self employed business but as I I have recently got back into relief milking ( which is my preferred work) I wondered about the insurance side of things. Good to have your perspective and I shall bear in mind to check any new customer to see if they have bulk tank insurance. Cheers

 

[frederick]

Loss of earnings invoice weekly until you've slestablished trust. Don't work for more weeks than you can afford to loose. If not paid stop turning up.

Tank failure you probably need some cover. But I've said before any farmer that is going to pursue a relief for a tank failure isn't worth working for. Employed staff aren't responsible and they are part of the farm routine so I don't see why a relief that just has a note at the front of the parlour or a bit of red tape should be more responsible.